EFSI Stock Analysis: Eagle Financial Common Stock | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 224m USD | 12M Return: 24% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.07M
EPS Trend: 47.6%
Qual. Beats: 0
Rev. Trend: 78.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality
Eagle Financial Services, Inc. (EFSI) is a U.S. bank holding company that operates Bank of Clarke, providing retail and commercial banking products and services. Founded in 1881 and headquartered in Berryville, Virginia, the company conducts business through three operating segments: Community Banking, Marine Lending, and Wealth Management. Its deposit offerings include checking, savings, money market, and time deposit accounts, while its loan portfolio spans residential and commercial real estate, construction and land development, commercial and industrial loans, marine loans, and various consumer loan products.
In addition to traditional banking, the company offers wealth management and advisory services, including IRAs, mutual funds, annuities, life and long-term care insurance, brokerage CDs, and title insurance. It distributes these products through full-service branches, loan production offices, wealth management offices, and a drive-through facility, and supports customers with debit cards, online bill payment, and digital banking channels. As a micro-cap regional bank in the GICS Regional Banks sub-industry, EFSI competes in the U.S. community banking sector, which typically serves small businesses and households within defined geographic markets through locally oriented lending and deposit gathering.
- Net interest margin compresses as Fed cuts rates
- Marine lending portfolio growth drives earnings beat
- Wealth management fees fluctuate with equity market levels
| Net Income: 18.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.52 > 1.0 |
| NWC/Revenue: -1.40k% < 20% (prev -1.48k%; Δ 86.33% < -1%) |
| CFO/TA 0.01 > 3% & CFO 26.4m > Net Income 18.9m |
| Net Debt (28.9m) to EBITDA (19.7m): 1.46 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (5.42m) vs 12m ago 18.55% < -2% |
| Gross Margin: 67.86% > 18% (prev 53.97%; Δ 13.89% > 0.5%) |
| Asset Turnover: 6.09% > 50% (prev 5.03%; Δ 1.06% > 0%) |
| Interest Coverage Ratio: 0.55 > 6 (EBIT TTM 18.7m / Interest Expense TTM 34.1m) |
| A: -0.87 (Total Current Assets 14.5m - Total Current Liabilities 1.61b) / Total Assets 1.84b |
| B: 0.06 (Retained Earnings 118.2m / Total Assets 1.84b) |
| C: 0.01 (EBIT TTM 18.7m / Avg Total Assets 1.87b) |
| D: 0.12 (Book Value of Equity 190.3m / Total Liabilities 1.65b) |
| Altman-Z'' = -5.29 = D |
As of July 28, 2026, the stock is trading at USD 40.14 with a total of 82,067 shares traded. Over the past week, the price has changed by -2.88%, over one month by -2.24%, over three months by +6.33% and over the past year by +24.01%.
Current recommended Stop Loss: 37.40 (which is 6.8% or 2.2 ATR below the current price).
Eagle Financial Common Stock has no consensus analysts rating.
P/E Trailing = 10.8225
P/S = 2.7749
P/B = 1.1745
Revenue TTM = 113.9m USD
EBIT TTM = 18.7m USD
EBITDA TTM = 19.7m USD
Long Term Debt = 29.6m USD (from longTermDebt, last quarter)
Short Term Debt = 765k USD (from shortTermDebt, last quarter)
Debt = 43.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 4.11m
Net Debt = 28.9m USD (calculated: Debt 43.4m - CCE 14.5m)
Enterprise Value = 253.2m USD (224.3m + Debt 43.4m - CCE 14.5m)
Interest Coverage Ratio = 0.55 (Ebit TTM 18.7m / Interest Expense TTM 34.1m)
EV/FCF = 10.02x (Enterprise Value 253.2m / FCF TTM 25.3m)
FCF Yield = 9.98% (FCF TTM 25.3m / Enterprise Value 253.2m)
FCF Margin = 22.19% (FCF TTM 25.3m / Revenue TTM 113.9m)
Net Margin = 16.62% (Net Income TTM 18.9m / Revenue TTM 113.9m)
Gross Margin = 67.86% ((Revenue TTM 113.9m - Cost of Revenue TTM 36.6m) / Revenue TTM)
Gross Margin QoQ = 66.75% (prev 69.90%)
Tobins Q-Ratio = 0.14 (Enterprise Value 253.2m / Total Assets 1.84b)
Interest Expense / Debt = 78.68% (Interest Expense 34.1m / Debt 43.4m)
Taxrate = 19.87% (4.70m / 23.6m)
NOPAT = 15.0m (EBIT 18.7m * (1 - 19.87%))
Current Ratio = 0.01 (Total Current Assets 14.5m / Total Current Liabilities 1.61b)
Debt / Equity = 0.23 (Debt 43.4m / totalStockholderEquity, last quarter 190.3m)
Debt / EBITDA = 1.46 (Net Debt 28.9m / EBITDA 19.7m)
Debt / FCF = 1.14 (Net Debt 28.9m / FCF TTM 25.3m)
Total Stockholder Equity = 186.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.01% (Net Income 18.9m / Total Assets 1.84b)
RoE = 10.17% (Net Income TTM 18.9m / Total Stockholder Equity 186.1m)
RoCE = 8.67% (EBIT 18.7m / Capital Employed (Equity 186.1m + L.T.Debt 29.6m))
RoIC = 0.82% (NOPAT 15.0m / Invested Capital 1.83b)
WACC = 5.95% (E(224.3m)/V(267.7m) * Re(7.10%) + (debt cost/tax rate unavailable))
Discount Rate = 7.10% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 90.93 | Cagr: 21.14%
[DCF] Terminal Value 77.97% ; FCFF base≈21.7m ; Y1≈24.9m ; Y5≈36.6m
[DCF] Fair Price = 96.47 (EV 551.1m - Net Debt 28.9m = Equity 522.2m / Shares 5.41m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 47.62 | EPS CAGR: 10.80% | SUE: -0.47 | # QB: 0
Revenue Correlation: 78.31 | Revenue CAGR: 7.80% | SUE: 0.24 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.86 | Chg30d=-6.52% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=3.29 | Chg30d=-0.60% | Revisions=-40% | GrowthEPS=-4.6% | GrowthRev=+5.3%
EPS next Year (2027-12-31): EPS=3.68 | Chg30d=+0.14% | Revisions=-40% | GrowthEPS=+11.8% | GrowthRev=+2.9%
[Analyst] Revisions Ratio: -62% (up=0, down=5)